Chief Compliance Officer

0001776290-22-000002.txt : 20220421 0001776290-22-000002.hdr.sgml : 20220421 20220421105101 ACCESSION NUMBER: 0001776290-22-000002 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220331 FILED AS OF DATE: 20220421 DATE AS OF CHANGE: 20220421 EFFECTIVENESS DATE: 20220421 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Zhang Financial LLC CENTRAL INDEX KEY: 0001776290 IRS NUMBER: 800370431 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-19517 FILM NUMBER: 22840177 BUSINESS ADDRESS: STREET 1: 5931 OAKLAND DR. CITY: PORTAGE STATE: MI ZIP: 49024 BUSINESS PHONE: 269-385-5705 MAIL ADDRESS: STREET 1: 5931 OAKLAND DR. CITY: PORTAGE STATE: MI ZIP: 49024 13F-HR 1 primary_doc.xml 13F-HR LIVE false true false 0001776290 XXXXXXXX 03-31-2022 03-31-2022 Zhang Financial LLC

5931 OAKLAND DR. PORTAGE MI 49024

13F HOLDINGS REPORT 028-19517 N Lynn L. Chen-Zhang Chief Compliance Officer 269.385.5888 Lynn L. Chen-Zhang Portage MI 04-20-2022 0 218 592323 false INFORMATION TABLE 2 13FXML2022Q1.xml BRISTOL MYERS COM 110122108 589 8059 SH SOLE 0 0 8059 CVS HEALTH COM 126650100 663 6547 SH SOLE 0 0 6547 CATERPILLAR INC COM 149123101 590 2650 SH SOLE 0 0 2650 CHEVRON CORP COM 166764100 430 2641 SH SOLE 0 0 2641 COCA COLA COMPANY COM 191216100 439 7082 SH SOLE 0 0 7082 COMERICA INC COM 200340107 493 5456 SH SOLE 0 0 5456 CUMMINS INC COM 231021106 246 1199 SH SOLE 0 0 1199 DANAHER CORP COM 235851102 480 1638 SH SOLE 0 0 1638 WALT DISNEY COM DISNEY 254687106 543 3958 SH SOLE 0 0 3958 DOLLAR GENL COM 256677105 1140 5121 SH SOLE 0 0 5121 DOW INC COM 260557103 1511 23716 SH SOLE 0 0 23716 EMERSON ELECTRIC COM 291011104 260 2651 SH SOLE 0 0 2651 FORD MOTOR COM 345370860 457 27004 SH SOLE 0 0 27004 GENERAL MILLS COM 370334104 391 5774 SH SOLE 0 0 5774 GILEAD SCIENCES COM 375558103 210 3539 SH SOLE 0 0 3539 HERSHEY COMPANY COM 427866108 349 1610 SH SOLE 0 0 1610 HOME DEPOT COM 437076102 1219 4071 SH SOLE 0 0 4071 HONEYWELL INTL COM 438516106 2700 13872 SH SOLE 0 0 13872 INTEL CORP COM 458140100 661 13347 SH SOLE 0 0 13347 INTL BUSINESS COM 459200101 3455 26571 SH SOLE 0 0 26571 ISHARES GOLD ISHARES NEW 464285204 2667 72415 SH SOLE 0 0 72415 ISHARES CORE CORE S&P TTL STK 464287150 35615 352838 SH SOLE 0 0 352838 ISHARES SELECT SELECT DIVID ETF 464287168 2475 19313 SH SOLE 0 0 19313 ISHARES TIPS TIPS BD ETF 464287176 10618 85238 SH SOLE 0 0 85238 ISHARES CORE CORE S&P500 ETF 464287200 2989 6590 SH SOLE 0 0 6590 ISHARES CORE CORE US AGGBD ET 464287226 2119 19794 SH SOLE 0 0 19794 ISHARES S&P S&P 500 GRWT ETF 464287309 321 4202 SH SOLE 0 0 4202 ISHARES S&P S&P 500 VAL ETF 464287408 393 2521 SH SOLE 0 0 2521 ISHARES 1-3YR 1 3 YR TREAS BD 464287457 2609 31298 SH SOLE 0 0 31298 ISHARES MSCI MSCI EAFE ETF 464287465 1140 15493 SH SOLE 0 0 15493 ISHARES RUSS RUS MDCP VAL ETF 464287473 501 4189 SH SOLE 0 0 4189 ISHARES RUSSELL RUS MID CAP ETF 464287499 383 4905 SH SOLE 0 0 4905 ISHARES CORE CORE S&P MCP ETF 464287507 1208 4503 SH SOLE 0 0 4503 ISHARES RUSSELL RUS 1000 GRW ETF 464287614 709 2555 SH SOLE 0 0 2555 ISHARES RUSSELL RUS 1000 ETF 464287622 1574 6295 SH SOLE 0 0 6295 ISHARES RUSSELL RUS 2000 VAL ETF 464287630 22050 136616 SH SOLE 0 0 136616 ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2652 10109 SH SOLE 0 0 10109 ISHARES S&P S&P MC 400VL ETF 464287705 306 2790 SH SOLE 0 0 2790 ISHARES CORE CORE S&P SCP ETF 464287804 1594 14780 SH SOLE 0 0 14780 ISHARES S&P SP SMCP600VL ETF 464287879 1385 13524 SH SOLE 0 0 13524 ISHARES NATIONAL NATIONAL MUN 464288414 4009 36572 SH SOLE 0 0 36572 ISHARES MSCI EAFE VALUE ETF 464288877 4476 89060 SH SOLE 0 0 89060 JOHNSON & JOHNSON COM 478160104 6517 36771 SH SOLE 0 0 36771 KELLOGG CO COM 487836108 919 14253 SH SOLE 0 0 14253 KIMBERLY CLARK COM 494368103 468 3803 SH SOLE 0 0 3803 ELI LILLY COM 532457108 358 1251 SH SOLE 0 0 1251 LINCOLN NATL CORP IN COM 534187109 338 5175 SH SOLE 0 0 5175 LOWES COMPANIES COM 548661107 1440 7121 SH SOLE 0 0 7121 MCDONALDS CORP COM 580135101 669 2707 SH SOLE 0 0 2707 MICROSOFT CORP COM 594918104 15787 51206 SH SOLE 0 0 51206 MONDELEZ INTERNATIONAL CL A 609207105 1361 21680 SH SOLE 0 0 21680 NEW ORIENTAL ED & TECHNOLOGY SPON ADR 647581107 12 10000 SH SOLE 0 0 10000 NORFOLK SOUTHERN COM 655844108 262 917 SH SOLE 0 0 917 PEPSICO INC COM 713448108 2743 16387 SH SOLE 0 0 16387 PFIZER INC COM 717081103 3607 69688 SH SOLE 0 0 69688 PHILIP MORRIS COM 718172109 1266 13481 SH SOLE 0 0 13481 PROCTER & GAMBLE COM 742718109 3139 20541 SH SOLE 0 0 20541 PRUDENTIAL FINANCIAL COM 744320102 1242 10510 SH SOLE 0 0 10510 QUALCOMM INC COM 747525103 938 6135 SH SOLE 0 0 6135 SCHWAB US US BRD MKT ETF 808524102 7398 138550 SH SOLE 0 0 138550 SCHWAB US US LRG CAP ETF 808524201 2475 45972 SH SOLE 0 0 45972 SCHWAB US US LCAP VA ETF 808524409 722 10110 SH SOLE 0 0 10110 SCHWAB US US MID-CAP ETF 808524508 797 10505 SH SOLE 0 0 10505 SCHWAB US US SML CAP ETF 808524607 957 20207 SH SOLE 0 0 20207 SCHWAB EMERGING EMRG MKTEQ ETF 808524706 451 16255 SH SOLE 0 0 16255 SCHWAB INTL INTL EQTY ETF 808524805 2216 60334 SH SOLE 0 0 60334 SCHWAB AGGREGATE US AGGREGATE B 808524839 2820 55773 SH SOLE 0 0 55773 SCHWAB INTERMEDIATE INTRM TRM TRES 808524854 466 8744 SH SOLE 0 0 8744 SCHWAB US US TIPS ETF 808524870 3972 65419 SH SOLE 0 0 65419 SHYFT GROUP COM 825698103 772 21381 SH SOLE 0 0 21381 SOUTHERN COMPANY COM 842587107 245 3383 SH SOLE 0 0 3383 STARBUCKS CORP COM 855244109 406 4460 SH SOLE 0 0 4460 STATE STREET COM 857477103 275 3161 SH SOLE 0 0 3161 STEELCASE INC CL A 858155203 329 27531 SH SOLE 0 0 27531 STRYKER CORP COM 863667101 17174 64239 SH SOLE 0 0 64239 TEVA PHARMACEUTICAL SPONSORED ADS 881624209 197 21000 SH SOLE 0 0 21000 TEXAS INSTRUMENTS COM 882508104 302 1646 SH SOLE 0 0 1646 THERMO FISHER COM 883556102 255 432 SH SOLE 0 0 432 U S BANCORP DE COM NEW 902973304 672 12635 SH SOLE 0 0 12635 UNITED PARCEL CL B 911312106 340 1583 SH SOLE 0 0 1583 VANGUARD DIVIDEND DIV APP ETF 921908844 2262 13949 SH SOLE 0 0 13949 VANGUARD TOTAL VG TL INTL STK F 921909768 12378 207194 SH SOLE 0 0 207194 VANGUARD S&P 500 GRTH IDX F 921932505 225 817 SH SOLE 0 0 817 VANGUARD SHORT SHORT TRM BOND 921937827 897 11515 SH SOLE 0 0 11515 VANGUARD TOTAL TOTAL BND MRKT 921937835 6208 78043 SH SOLE 0 0 78043 VANGUARD FTSE FTSE DEV MKT ETF 921943858 2324 48398 SH SOLE 0 0 48398 VANGUARD HIGH HIGH DIV YLD 921946406 1138 10142 SH SOLE 0 0 10142 VANGUARD SHORT STRM INFPROIDX 922020805 460 8984 SH SOLE 0 0 8984 VANGUARD FTSE FTSE SMCAP ETF 922042718 1065 8597 SH SOLE 0 0 8597 VANGUARD TOTAL TT WRLD ST ETF 922042742 21859 215810 SH SOLE 0 0 215810 VANGUARD FSTE FTSE EMR MKT ETF 922042858 9299 201577 SH SOLE 0 0 201577 VANGUARD S&P S&P 500 ETF SHS 922908363 20482 49332 SH SOLE 0 0 49332 VANGUARD MID MCAP VL IDXVIP 922908512 407 2721 SH SOLE 0 0 2721 VANGUARD REAL REAL ESTATE ETF 922908553 3581 33041 SH SOLE 0 0 33041 VANGUARD SMALL SM CP VAL ETF 922908611 43671 248216 SH SOLE 0 0 248216 VANGUARD MID MID CAP ETF 922908629 1666 7007 SH SOLE 0 0 7007 VANGUARD LARGE LARGE CAP ETF 922908637 586 2811 SH SOLE 0 0 2811 VANGUARD EXTENDED EXTEND MKT ETF 922908652 1509 9107 SH SOLE 0 0 9107 VANGUARD GROWTH GROWTH ETF 922908736 785 2729 SH SOLE 0 0 2729 VANGUARD VALUE VALUE ETF 922908744 4232 28634 SH SOLE 0 0 28634 VANGUARD SMALL SMALL CP ETF 922908751 995 4680 SH SOLE 0 0 4680 VANGUARD TOTAL TOTAL STK MKT 922908769 91216 400650 SH SOLE 0 0 400650 WALMART INC COM 931142103 439 2948 SH SOLE 0 0 2948 WELLS FARGO COM 949746101 218 4503 SH SOLE 0 0 4503 AT&T INC COM 00206R102 399 16882 SH SOLE 0 0 16882 ARK INNOVATION INNOVATION ETF 00214Q104 1897 28620 SH SOLE 0 0 28620 ABBOTT LABORATORIES COM 002824100 207 1748 SH SOLE 0 0 1748 ABBVIE INC COM 00287Y109 1335 8234 SH SOLE 0 0 8234 ADOBE INC COM 00724F101 420 921 SH SOLE 0 0 921 ALLSTATE CORP COM 020002101 220 1591 SH SOLE 0 0 1591 ALPHABET INC CAP STK CL C 02079K107 997 357 SH SOLE 0 0 357 ALPHABET INC CAP STK CL A 02079K305 3757 1351 SH SOLE 0 0 1351 ALTRIA GROUP COM 02209S103 1014 19410 SH SOLE 0 0 19410 AMAZON COM COM 023135106 7039 2159 SH SOLE 0 0 2159 AMERN AXLE & MFG HLDGS COM 024061103 94 12088 SH SOLE 0 0 12088 AMERICAN EXPRESS COM 025816109 297 1590 SH SOLE 0 0 1590 AMGEN INC COM 031162100 2540 10503 SH SOLE 0 0 10503 ANNALY CAPITAL COM 035710409 134 19077 SH SOLE 0 0 19077 APPLE INC COM 037833100 32308 185032 SH SOLE 0 0 185032 BANK AMERICA COM 060505104 535 12995 SH SOLE 0 0 12995 BERKSHIRE HATHAWAY CL A 084670108 1058 2 SH SOLE 0 0 2 BERKSHIRE HATHAWAY CL B NEW 084670702 8614 24411 SH SOLE 0 0 24411 BIOLASE INC COM NEW 090911207 24 68000 SH SOLE 0 0 68000 BLACKROCK INC COM 09247X101 562 736 SH SOLE 0 0 736 BNY MELLON US LRG CP CORE 09661T107 20916 246273 SH SOLE 0 0 246273 BNY MELLON CORE BOND ETF 09661T602 6470 140474 SH SOLE 0 0 140474 BROADCOM INC COM 11135F101 862 1370 SH SOLE 0 0 1370 CISCO SYSTEMS COM 17275R102 715 12828 SH SOLE 0 0 12828 COMCAST CORP CL A 20030N101 389 8317 SH SOLE 0 0 8317 CORTEVA INC COM 22052L104 847 14734 SH SOLE 0 0 14734 COSTCO WHOLESALE COM 22160K105 763 1326 SH SOLE 0 0 1326 DIMENSIONAL US US CORE EQUITY 2 25434V708 377 13656 SH SOLE 0 0 13656 DUPONT DE COM 26614N102 836 11366 SH SOLE 0 0 11366 EXXON MOBIL COM 30231G102 796 9635 SH SOLE 0 0 9635 FACEBOOK INC CL A 30303M102 649 2920 SH SOLE 0 0 2920 FARMERS & MERCHANTS COM 30779N105 241 6664 SH SOLE 0 0 6664 FORTINET INC COM 34959E109 503 1470 SH SOLE 0 0 1470 GSX TECHEDU SPONSORED ADS 36257Y109 44 25847 SH SOLE 0 0 25847 GLOBAL X LITHIUM BTRY ETF 37954Y855 206 2681 SH SOLE 0 0 2681 INVESCO QQQ UNIT SER 1 46090E103 910 2510 SH SOLE 0 0 2510 INVESCO S&P S&P500 PUR GWT 46137V266 210 1142 SH SOLE 0 0 1142 INVESCO S&P S&P500 EQL TEC 46137V282 309 1068 SH SOLE 0 0 1068 INVESCO S&P S&P500 EQL HLT 46137V332 211 690 SH SOLE 0 0 690 INVESCO S&P S&P500 EQL WGT 46137V357 283 1797 SH SOLE 0 0 1797 ISHARES MSCI MSCI USA ESG SLC 464288802 219 2264 SH SOLE 0 0 2264 ISHARES CORE CORE MSCI TOTAL 46432F834 1444 21694 SH SOLE 0 0 21694 ISHARES CORE CORE DIV GRWTH 46434V621 216 4040 SH SOLE 0 0 4040 BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 2232 44513 SH SOLE 0 0 44513 ISHARES ESG ESG AWR US AGRGT 46435U549 273 5278 SH SOLE 0 0 5278 JPMORGAN CHASE COM 46625H100 596 4375 SH SOLE 0 0 4375 KLA CORP COM NEW 482480100 649 1772 SH SOLE 0 0 1772 LCI INDS COM 50189K103 1083 10428 SH SOLE 0 0 10428 LEVEL ONE COM 52730D208 739 18500 SH SOLE 0 0 18500 MASTERCARD INC CL A 57636Q104 221 617 SH SOLE 0 0 617 MERCK & COMPANY COM 58933Y105 1063 12954 SH SOLE 0 0 12954 METLIFE INC COM 59156R108 378 5378 SH SOLE 0 0 5378 NUCOR CORP COM 670346105 762 5125 SH SOLE 0 0 5125 NVIDIA CORP COM 67066G104 1207 4422 SH SOLE 0 0 4422 QUEST DIAGNOSTICS COM 74834L100 386 2819 SH SOLE 0 0 2819 SPDR S&P TR UNIT 78462F103 5268 11664 SH SOLE 0 0 11664 SPDR GOLD GOLD SHS 78463V107 359 1990 SH SOLE 0 0 1990 SPDR DOW UT SER 1 78467X109 422 1218 SH SOLE 0 0 1218 SPDR S&P UTSER1 S&PDCRP 78467Y107 1033 2106 SH SOLE 0 0 2106 SALESFORCE.COM INC COM 79466L302 277 1305 SH SOLE 0 0 1305 SANOFI SPONSORED ADR 80105N105 288 5610 SH SOLE 0 0 5610 SECTOR FINANCIAL SBI INT-FINL 81369Y605 525 13709 SH SOLE 0 0 13709 SECTOR TECHNOLOGY TECHNOLOGY 81369Y803 958 6032 SH SOLE 0 0 6032 SHOPIFY INC CL A 82509L107 351 520 SH SOLE 0 0 520 SMILEDIRECTCLUB INC CL A COM 83192H106 46 17933 SH SOLE 0 0 17933 TARGET CORP COM 87612E106 701 3306 SH SOLE 0 0 3306 TESLA INC COM 88160R101 1162 1078 SH SOLE 0 0 1078 3M COMPANY COM 88579Y101 321 2154 SH SOLE 0 0 2154 TYSON FOODS CL A 902494103 420 4684 SH SOLE 0 0 4684 UNITEDHEALTH GROUP COM 91324P102 229 450 SH SOLE 0 0 450 VANGUARD ESG ESG INTL STK ETF 921910725 211 3688 SH SOLE 0 0 3688 VANGUARD INTERMEDIATE INTERMED TERM 921937819 243 2972 SH SOLE 0 0 2972 VANGUARD TOTAL INTL BD IDX ETF 92203J407 444 8473 SH SOLE 0 0 8473 VANGUARD HEALTH HEALTH CAR ETF 92204A504 431 1696 SH SOLE 0 0 1696 VANGUARD INFORMATION INF TECH ETF 92204A702 1400 3361 SH SOLE 0 0 3361 VANGUARD SHORT SHORT TERM TREAS 92206C102 342 5761 SH SOLE 0 0 5761 VANGUARD SHORT SHRT TRM CORP BD 92206C409 1266 16216 SH SOLE 0 0 16216 VANGUARD RUSSELL VNG RUS2000VAL 92206C649 548 3882 SH SOLE 0 0 3882 VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1323 18173 SH SOLE 0 0 18173 VANGUARD MORTGAGE MORTG-BACK SEC 92206C771 559 11161 SH SOLE 0 0 11161 LONG TERM TREAS LONG TERM TREAS 92206C847 230 2855 SH SOLE 0 0 2855 VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 2598 50392 SH SOLE 0 0 50392 VIATRIS INC COM 92556V106 180 16560 SH SOLE 0 0 16560 VISA INC COM CL A 92826C839 925 4173 SH SOLE 0 0 4173 WISDOMTREE TR CURRNCY INT EQ 97717X263 356 11605 SH SOLE 0 0 11605 ZOETIS INC CL A 98978V103 5525 29294 SH SOLE 0 0 29294 EATON CORP SHS G29183103 714 4705 SH SOLE 0 0 4705 LINDE PLC COM G5494J103 777 2431 SH SOLE 0 0 2431 MEDTRONIC PLC SHS G5960L103 256 2312 SH SOLE 0 0 2312 APOGEE ENTERPRISES COM 037598109 427 9000 SH SOLE 0 0 9000 BALCHEM CORP COM 057665200 684 5000 SH SOLE 0 0 5000 BLACKSTONE INC COM 09260D107 1309 10312 SH SOLE 0 0 10312 BNY MELLON US MDCP CORE EQT 09661T206 1079 11976 SH SOLE 0 0 11976 BNY MELLON INTERNATIONL EQT 09661T404 2944 41903 SH SOLE 0 0 41903 BNY MELLON EMRG MKT EQUIT 09661T503 703 11118 SH SOLE 0 0 11118 CARLYLE GROUP COM 14316J108 774 15816 SH SOLE 0 0 15816 FIRST SOLAR COM 336433107 419 5000 SH SOLE 0 0 5000 KKR & CO COM 48251W104 599 10241 SH SOLE 0 0 10241 MCKESSON CORP COM 58155Q103 1532 5004 SH SOLE 0 0 5004 MICRON TECHNOLOGY INC COM 595112103 1593 20455 SH SOLE 0 0 20455 MILLERKNOLL INC COM 600544100 518 15000 SH SOLE 0 0 15000 PAYCHEX INC COM 704326107 548 4014 SH SOLE 0 0 4014 POLARIS INC COM 731068102 430 4000 SH SOLE 0 0 4000 PROVIDENT BANCORP COM 74383L105 369 21062 SH SOLE 0 0 21062 QORVO INC COM NEW 74736K101 1052 7501 SH SOLE 0 0 7501 VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 456 5302 SH SOLE 0 0 5302 WHIRLPOOL CORP COM 963320106 816 4004 SH SOLE 0 0 4004 WORTHINGTON INDUSTRIES COM 981811102 530 10000 SH SOLE 0 0 10000 ISHARES SHORT SHRT NAT MUN ETF 464288158 229 2189 SH SOLE 0 0 2189 SCHWAB STRATEGIC 1000 INDEX ETF 808524722 826 18751 SH SOLE 0 0 18751 VANGUARD RUSSELL VNG RUS1000IDX 92206C730 427 2062 SH SOLE 0 0 2062 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 377 13382 SH SOLE 0 0 13382 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 250 4467 SH SOLE 0 0 4467 WORLD GOLD TR SPDR GLD MINIS 98149E303 460 11962 SH SOLE 0 0 11962